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The 50 70 per loss/claim is your deductible, which you have to pay on any coverage, cell phone, auto, homeowners, etc. Each and every claim is a new loss. With that said, I will say, I had a home warranty on my "home from hell" in California, and Thank God we had it. They paid for a new furnace, new water heater, new well pump, just to mention a few things. Yes, I had to pay my deductible each time, but the $500 600 warranty paid for itself over and over in that home. I would rather have paid the $500 600 and never had to call on them.

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However, the policy needs to be carefully studied before signing the contract. It is important to exercise caution while choosing a home warranty provider. Apart from checking their certification, house owners will have to do some homework on the quality of service they provide and the promptness and professionalism they display. They can ask for a few references and do some enquiry before taking the final decision. It would be ideal to shortlist about three or four providers who come via home warranty leads and compare their quotes and terms before signing the contract. The terms and conditions should be examined carefully to make sure the house owner understands everything that is related to coverage, costs, service and claims. I have had nothing but great experiences with 2 10 Home Buyers Warranty. I have had my AC replaced, my ice maker replaced, and a part replaced in my toilet. The AC the repairmen installed was top notch. This was shortly after I bought my home and I was concerned that 2 10 wouldn’t come through because I had just moved in. The companies that have done the work have always responded quickly by phone and email.

 

Blandit Etiam

When I asked them how much it would be to pay out if I just want to buy a new furnace myself, because hey, don't want the family and I to die from Carbon Monoxide poisoning in the middle of the night, they tell me the payout is $60. This for a part that I can't find for less than $250. We have small children, it is mid winter and currently we have been without a furnace now for a week and counting, while the warranty company continues to order parts and repair when we have had 3 separate HVAC pros recommend replacement, not to mention one of their own techs refused to work on this unit. Home warranties are a complete waste of money, unless you don't mind being nickeled and dimed to death and living with appliances that are continually dying, and lets not forget dangerous!I have documented all of this and if my family and I dies from CO poisoning, I have made sure my surviving family will sue my home warranty company. We will not renew our warranty when it comes up, but will instead save the money toward a new furnace. The only time I would recommend a home warranty is when you buy a home and the seller pays for it, maybe you can have one expensive repair taken care of in that first year, but don't expect them to replace anything or be timely about it. And expect to be on hold for 20 to 60 minutes on the phone every time you talk to them. As a Realtor I have been in the habit of buying these policies for my buyer clients. I have mixed feelings about these. The companies are known to deny claims however I have almost always been able to intervene to make sure they fix the broken item. A call to their regional representative, and a threat to stop buying policies if they don't fix the appliance, gives me some leverage because of the thousands I spend on these every year.